Anxiety Life Insurance [Complete Guide 2025]

Q: Can I get life insurance with anxiety?

Yes, securing life insurance with anxiety could be possible. When it comes to mental health conditions, many think a diagnosis could prevent them from securing the cover they need. However, this isn’t the case. In any given week, 6 in 100 people will be diagnosed with generalised anxiety disorder [1] . Therefore, insurers are used to handling applications from those with this condition.

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Can I get life insurance with anxiety?

Yes, securing life insurance with anxiety could be possible.

When it comes to mental health conditions, many think a diagnosis could prevent them from securing the cover they need. However, this isn’t the case.

In any given week, 6 in 100 people will be diagnosed with generalised anxiety disorder^[1]. Therefore, insurers are used to handling applications from those with this condition.

Reassured can provide you with all the information you need to know about the life insurance options we have available for those with anxiety.

We can also help you compare multiple quotes, free of charge, from our panel of top UK life insurance providers.

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Anxiety and life insurance [Key points]

It could be possible to secure life insurance with anxiety. Comparing multiple quotes can allow you to find an affordable deal for your personal circumstances
‘Anxiety life insurance’ isn’t a specific product, it simply refers to a life insurance policy taken out by someone with anxiety
Over 8 million people in the UK experience an anxiety disorder at any one time^[1]
Anxiety impacts people differently and for different reasons, therefore insurers will take your personal circumstances into consideration
The severity and frequency of your symptoms, as well as whether you have additional medical conditions, could impact the price you pay for cover
Having any doctors notes to hand during the application could help to provide insurers with the most up to date information
There’s no difference in any of the insurance decision making processes for mental health to those for physical health. The process by which decisions are made and guidelines are written is consistent for every medical condition whether physical or mental health^[2]

Does anxiety affect life insurance?

Anxiety alone may not impact your ability to secure cover. Depending on the severity of your condition, it could be possible to secure cover on standard terms (which start from 20p-a-day through Reassured)^†.

Anxiety is the body’s natural response to stress or danger. However, it can be problematic if these feeling are persistent over a long period^[3].

If you have severe/frequent feelings of anxiety and/or additional mental or physical health conditions, this could impact your life insurance application due to the increased risk.

Insurers will ask questions to gain a better understanding of your situation to ensure that you’re securing the right cover for your circumstances.

Reassured can take your circumstances into consideration and provide you with our most suitable options from our panel of insurers.

What policy options are available?

When applying for life insurance with anxiety, you’ll have access to a range of policy types. The most common life insurance options include:

Level term life insurance - Provides cover for a set period and offers a fixed lump sum pay out if you pass away during the term. Ideal for helping to cover an interest-only mortgage and/or family living costs. You’ll need to provide medical information (including declaring an anxiety diagnosis) during the application
Decreasing term life insurance - Provides cover for a set period and offers a lump sum pay out if you pass away during the term. The value of the lump sum will reduce throughout the policy term. For this reason, it’s ideal for helping to protect a repayment mortgage. You’ll need to provide medical information (including declaring an anxiety diagnosis) during the application
Whole of life insurance - Provides lifelong cover and guarantees a lump sum pay out to your loved ones when you pass away. It’s common for whole of life insurance to be used to help cover any inheritance tax bills that might be left to your loved ones and/or providing them with an inheritance to spend as they wish. You’ll need to provide medical information (including declaring an anxiety diagnosis) during the application
Over 50 life insurance (over 50s plan) - Provides lifelong cover and guarantees a lump sum pay out to loved ones when you pass away. Acceptance is also guaranteed to those aged 50 - 85 without the need to provide any medical information. Therefore, anxiety or any other medical condition won’t affect your cover. To mitigate the risk of not requiring medical information, insurers include a waiting period (typically either 12 or 24 months). If you pass away due to natural causes during this time, no pay out will be made. However, you’ll be covered for accidental death

Comparing multiple quotes can help you find the right policy for your individual needs. Why not save time and money by using our fee-free quote comparison service?

How much life insurance do you need?

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Why use Reassured for anxiety life insurance?

We’re the UK’s largest life insurance broker^*with over 14 years’ experience
We’re rated as ‘Excellent’ on Trustpilot, with over 80,000 customer reviews
We work with a panel of insurers, including some of the UK’s best providers & smaller specialists (through our advised team)
We have a dedicated specialist impaired team who have a great track record of finding some form of cover for those previously declined
Our service is award-winning & Financial Conduct Authority (FCA) regulated

Is anxiety considered a pre-existing medical condition?

Yes, if you’ve received a diagnosis of anxiety from your GP prior to securing life insurance, this will be seen as a pre-existing condition.

This means you’ll need to declare your condition during the application process and answer any further questions the insurer asks.

This is to ensure the cover you take out is suitable for your personal circumstances.

If any information is missed off an application or false details are provided, this could prevent a pay out from being made.

A friendly member of our team will be on hand to support you through every step of the application.

What questions will I be asked during the application process?

During the application process, you’ll be required to answer a standard life insurance questionnaire, which includes questions about:

Age
Health and wellbeing (including declaring your anxiety diagnosis)
Smoking status
Occupation
Lifestyle (such as hobbies and alcohol consumption)
Policy details (policy type, policy term and sum assured)

When declaring an anxiety diagnosis, you’ll also be required to answer further questions in order for insurers to get a better understanding on your personal circumstances. These could include:

When were you diagnosed?
How often do you experience symptoms?
Have you had to take time off work due to anxiety?
Are you receiving any treatment (such as therapy or counselling)?
Have you been prescribed any medication (if so, which medications)?
Have you been diagnosed with any other mental/physical health conditions?
Have you experienced thoughts of self-harm?
Have you experienced suicidal thoughts?

Your answers to these questions will help insurers assess your eligibility for cover and will allow them to accurately calculate your monthly life insurance premium.

Insurers understand that it can be hard to discuss anxiety and they aren’t here to judge you, they simply need this information to ensure you’re taking out suitable cover for your personal circumstances.

Can I be denied life insurance for anxiety?

The severity of your condition will determine the impact it will have on your life insurance application.

If you experience mild and infrequent symptoms, then it could be possible for you to secure cover on standard terms.

However, if you experience more regular/severe symptoms and/or you have additional health conditions, this could impact the price you pay for cover or even result in an application being denied.

Even if you’ve been declined life insurance before there could still be some options available to you. This could be through a specialist insurer or an over 50s plan where no medical information is required.

At Reassured we work with a panel of top UK providers. Get in touch for your free quotes.

Anxiety help & support

If you’re struggling with feelings of anxiety, there are a range of support services available:

Compare anxiety life insurance quotes

Hopefully this guide has provided you with reassurance that it could be possible to secure life insurance with anxiety.

When using an expert, like Reassured, you’ll have a friendly and understanding professional on hand to answer any questions you might have.

We can source quotes from our panel of insurers (which includes both mainstream and specialist insurers) to find you our best deals for your personal circumstances.

Our quotes are fee-free and there’s no pressure or obligation to secure a policy.

Simply get in touch to start your journey today.

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